Retirement Game Changer: High earners, listen up! A major tax break for those nearing retirement is changing in 2026. If you make $145,000 or more, catch-up contributions to your 401(k) will ONLY be allowed in after-tax Roth accounts, eliminating the upfront tax deduction. While the next few years remain the same, now is the time to adjust your retirement savings strategy to maximize long-term benefits.

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